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3127 Vanguard Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3127 Vanguard Ct, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 2023
Square Footage2,945 sqft Heated Area
Lot Size9,148 sqft (0.21 acres)
OccupancyOwner Occupied
Last Sale$785,500 (2023)
Tax Bill$10,610.00 (2025)

Property Details

APN / Parcel Number

Primary APN022531553800012760

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,945 sqft Heated Area
Gross Area3,815 sqft Gross Area
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2023
Exterior MaterialFiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior
Construction TypeFrame Construction
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area9,148 sqft (0.21 acres)
Garage TypeFinished Garage

Exterior Amenities

Pool Area430 sqft Pool
Deck Area1,070 sqft Deck
PorchOpen Porch
Porch Area334 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address3127 VANGUARD CT
CitySAINT CLOUD
StateFL
Zip34771-8983
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionWESLYN PARK PH 2 PB 32 PGS 72-94 LOT 276
Legal Phase2
Legal Lot Number276
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1002
Census Tract43700

Owner

Source: Osceola County records · APN 022531553800012760

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3127 VANGUARD CT, SAINT CLOUD, FL 34771-8983
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Feb 12, 2026Deed of Trust, Mortgage · Conventional Mortgage
FREEDOM MORTGAGE CORP
Oct 06, 2023Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
JET HOMELOANS LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 06, 2023 · Amount on Record
Deed SaleOct 06, 2023 · Amount on Record
Deed Doc Number2023132014
Deed Book / Page6486 / 506
Record RefreshedJun 08, 2026

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3127 VANGUARD CT, SAINT CLOUD, FL 34771-8983
Transaction TypeMortgage
Record UpdatedMar 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address3127 VANGUARD CT, SAINT CLOUD, FL 34771-8983

Mortgage

Document Number0069220765
DateFeb 12, 2026
Book Page6922/765
Instrument2026020138
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term335 Months
DueJan 01, 2054

October 2023: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 06, 2023
Property Address3127 VANGUARD CT, SAINT CLOUD, FL 34771-8983
Document Number0064860506
Book / Page6486 / 506
Map ReferenceMB 32 PG 72
Instrument DateSep 27, 2023
Instrument2023132014
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 12, 2025
Title CompanyGOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$5,498.50
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address8529 SOUTHPARK CIR # 30, 30, ORLANDO, FL 32819-9029

Transferred To (Grantee/Buyer)

NameVerified Name
Address3127 VANGUARD CT, SAINT CLOUD, FL 34771-8983

Mortgage

Document Number0006486508
DateOct 06, 2023
Instrument6486/508
Lender
NameJET HOMELOANS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2053

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$10,610.00 (+206.38%) Homeowner's exemption Disabled Person's exemption$582,821 (+677.09%)$641,400 (+755.2%) Land $94,500 Building $546,900
2023$3,463.00 (+23.28%)$75,000 (+15%) Land $75,000$75,000 (+15%) Land $75,000
2022$2,809.00$30,000 Land $30,000$30,000 Land $30,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskVery High
above 92% of the US · above 86% of Florida
Wildfire LikelihoodAbout 1 in 68 per year
ExposureDirect
burnable vegetation at the parcel

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

Values are read at the parcel center point; lenders make the official flood determination.

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